Alaska car insurance

Whether driving on Seward Highway from Anchorage to Seward, or through Juneau or Fairbanks, or anywhere throughout the Last Frontier, make sure you have the right insurance for you and your car from Progressive. Learn more about auto insurance in Alaska, including available coverages, Alaska's requirements, and ways to save.

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Explore Progressive Answers' auto editorial guidelines to find out why you can trust the car insurance information you find here.

What are Alaska 's minimum auto insurance requirements?

Drivers in Alaska are legally required to have auto liability coverage (BI liability and PD liability), at the following minimum car insurance limits:

Coverage	What it covers	Minimum amount
Bodily injury liability	What it coversInjuries you cause to others in an accident	Minimum amount$50,000 per person $100,000 per accident
Property damage liability	What it coversDamage you cause to other people's property in an accident	Minimum amount$25,000 per accident

Alaska also requires insurers to offer uninsured/underinsured (UM/UIM) bodily injury and property damage coverage at the following limits, though you may reject or lower these coverages via a signed form if you do not want them.

Coverage	What it covers	Minimum amount
UM/UIM bodily injury	What it coversYour medical expenses an uninsured or underinsured driver causes	Minimum amount$50,000 per person $100,000 per accident
UM/UIM property damage	What it coversDamage to your property an uninsured or underinsured driver causes	Minimum amount$25,000 per accident

While these are Alaska's minimum required car insurance limits, higher coverage amounts may better protect your family's financial wellbeing. Learn how much car insurance you may need based on your circumstances and preferences.

Is Alaska a no-fault state?

No. Alaska is an at-fault state, which means the party responsible for an accident must cover the injuries of the other driver and their passengers. Learn about what happens if you're at fault in an accident.

How much is car insurance in Alaska?

Rates for auto insurance in Alaska vary based on several factors, including the limits and coverages you choose, your driving history, and location. Learn more about what goes into the cost of car insurance.

Ready to make the switch? Drivers nationwide who switch and save with Progressive save over $800 on average.^† Get an auto insurance quote today.

What is the best car insurance in Alaska?

Finding the best car insurance in Alaska means taking the time to compare equal coverages, limits, deductibles, and discounts. Progressive offers plenty of incentives to help drivers in Alaska get the best car insurance. Our auto insurance customers earn an average of seven discounts, and we're the #1 combined personal and commercial auto insurance company.^**

If you're looking to get the cheapest car insurance in Alaska, get a quote from Progressive — GEICO customers who switch and save with Progressive save $757 on average nationwide.^§

How do I lower my car insurance cost in Alaska?

To lower your car insurance cost in Alaska, you may qualify for the following discounts through Progressive:

Multi-policy
Multi-car
Homeowner
Online quote
Paid in full
Advance quote
Continuous insurance
Paperless

See all our auto insurance discounts.

Pro tip:

Save when you bundle! One way to get cheap car insurance in Alaska is to combine your auto and home policies with Progressive — new customers who save bundling home and auto insurance save over 20% on average nationwide.^†

Additional car insurance coverages to consider

If you're leasing or financing a vehicle, most lenders require you to carry comprehensive auto coverage and collision coverage in addition to Alaska's state-required coverages. Comprehensive and collision pay to repair or replace your car regardless of fault, if it's in an accident, gets stolen, or is otherwise damaged due to a covered incident. It also makes sense to add these physical damage coverages if you're not sure you can afford a new car or major repairs after an accident.

Explore all our car insurance coverages, and our car insurance calculator, to find which ones may be appropriate for you.

Alaska driving resources

From Knik-Fairview to Wasilla, get to know Alaska's driving laws and resources. These resources apply to Sitka, Ketchikan, and everywhere in between. Local municipalities may have additional laws and resources.

Alaska Division of Motor Vehicles (DMV): Find out how to get or renew your Alaska license and registration.
Alaska Highway Safety Office: Review Alaska's traffic and safety regulations.
Alaska DMV FAQs: Get answers to general vehicle and licensing questions. Learn about how to get or renew your driver's license and vehicle registration, and more, in Alaska.
Car insurance resource center: Learn more about how car insurance works, from terms and definitions to savings tips.